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Disclosure Statement: phb Financial Planning Pty Ltd and Pieter Botha are Authorised Representatives of Sentry Financial Services Pty LTD [ABN 30 113 531 034, AFSL number 286786 For a copy of our Financial Services Guide click here General Advice Warning: The information in this communication is provided for information purposes and is of a general nature only. It is not intended to be and does not constitute financial advice or any other advice. Further, the information is not based on your personal objectives, financial situation or needs. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation and needs. Also, before making a decision, you should consider the relevant Product Disclosure Statement available from your financial planner.